Karen McDonald is a study in measured communication. She makes me want to wear black crepe and send people to jail who really need to go there.
It is beyond irksome that I am not free to speak my truth of what Safeco/Liberty Mutual, Protech Construction, LA County Public Works, Building and Safety Division, and the Department of Insurance have done to me since 2016. All are players in a massive scheme to defraud consumers. Property claim fraud. I feel a need to warn insurance consumers of the danger involved in filing a legitimate claim for damages. You need to be an expert in the relations between insurance claims adjusters and contractors, building and safety codes, and statutes of limitation. You need to be prepared because no one will help you get to the truth of the matter without an attorney. Attorneys won’t help once they know the players involved. You are quite on your own against forces you never even knew could be arrayed against you when you haven’t done a thing wrong.
How is it that my home was demolished without my authorization? Well, the demolition receipts state that Vince Paglia of Protech Construction claimed to be the owner of my property when he applied for whatever he needed to destroy my home. How was he able to do this?
Had to have had the help, guidance, direction of the claims adjuster, Kent Stiles, who is also the money man. Did you know that claims adjusters and contractors can engage in confidential relationships? They can hatch up whatever between themselves and never inform the consumer. Sweet deal, huh?
Then, for this coffin to have passed final inspection indicates another help from a department of the County that has no oversight. Public Works answers to no one, it appears, as they have helped stall my efforts to understand why I am living in squalor, with the flooring crumbling beneath the shower and the bathroom floor. How did this abandoned project pass final inspection, then later have the Certificate of Occupancy and the final inspection rescinded?
I have been told so many lies over the past 4 years by the insurer, contractor, Department of Insurance, and LA County Public Works. I have reported this activity to all I could think of to report it. As no one seems interested, I have begun to feel like I am swimming in the most corrupt sea that exists in state and local agencies and corporations.
Is this thing I’m wrapped up in a scheme to increase property tax revenues? Is it money laundering? Is it racketeering? I do know this is big time white-collar crime and we all know that is never punished in this country.
I have lived in Los Angeles’s second district for my entire life. Our first supervisor, Kenneth Hahn, was the best supervisor we ever had. He handed off to Burke. She must have become corrupt after working with Hahn because things in the district never got better, but declined. Then she handed off to Ridley-Thomas, and the manure really hit fire.
As the complexion of the district began changing from black to brown, services deteriorated more. I would say the district suffered from neglect that was not benign. For example, people who should have known about our water supply appeared to have no knowledge of our water service. This is how those elected to manage our water district were able to run it into the ground, providing the residents with rust-colored water for years.
It is my opinion that all involved are criminals. Vince Paglia is dangerous. He called to threaten me when he was supposed to be telling me when he would pay the judgment awarded me by CSLB. Instead, he told me the contractor he had working on site was dead and I knew that both the insurance company and I had paid him $260K when my original estimate for repair was $48K. Well, I told the insurance company to not pay Paglia, but I was overruled and he was paid anyway.
Did you know California insurance consumers can request a copy of their claim file? I didn’t know until a public adjuster told me. By the way, if you do have to file a claim, get yourself a public adjuster. The insurance adjusters working for the insurance company cannot be trusted to do right by the consumer, particularly when they are able to engage in those confidential relations that leave the consumer uninformed and at their mercy.
I got the first copy of my claim file by requesting it from the person who answered the call. That claim file had one invoice in it for $80K that listed all sorts of materials that did not exist on this site. When I notified the adjuster about this major discrepancy, he told me to file a police report and send him a copy. I did this, and he made them disappear.
As a test, I requested the claim file from Stiles. The second time around I received a large box filled with every email, invoice, exactimate, etc. Then, Stiles made the entire claim disappear, except for on the database that records consumer insurance claim histories. You need to know about those databases. Lexis-Nexis operates the primary database.
I have come to think that Safeco/Liberty Mutual is a shell company. The claims adjusters all know what Stiles is doing. I wrote to the CEO and President to notify them. As there was no response, I guess they don’t exist because I’d investigate charges of embezzlement or money laundering originating from my company, a company consumers are supposed to trust.
I know I’m rambling. It is what happens when I’ve been stifled (bless you Jean Stapleton!) and oppressed by a bully with a purse bigger than mine.
So, let me just drop this on you: if you have homeowner insurance, familiarize yourself with building and safety codes in your area; with statutes of limitation for breach of contract or other malfeasance; find out who the best public adjusters are in your area. If you have Safeco/Liberty Mutual Insurance, find another insurer. Kent Stiles is as dangerous as Vince Paglia. Beware.
I lived in my home more than 60 years.
I have an insurance company generated engineering report that details the condition of my my home and workshop. It was effective from May 2016 through March 2018.
I have demolition reports where my name is not listed as the owner, though I have been the legal owner since close of probate in 2015.
I filed a legitimate homeowner insurance claim, had it insurance company assessed, and settled in 2016.
I have a second insurance company generated cost analysis of the structure and work that replaced my home without my authorization, pre-demolition inspection, or set of approved plans as required by Los Angeles County Public Works.
I have no documentation that supersedes the initial engineering report in effect from May 2016 through March 2018.
I have no documentation of a legal or structural reason for the complete razing of my property. However, I now have the suppressed documentation that the contractor was notified of his failure to complete the project, that the certificate of occupancy had been rescinded about two years ago. This notification was either not sent to the contractor or was sent and ignored.
Where does one report racketeering?
Several weeks ago I reported to Los Angeles County Building and Safety that there was a structural support problem in this bathroom that is part of the rescinded Certificate of Occupancy the inspector supervisor told me had a typo on it. The document was issued when there was no structure standing on the property because the contractor who is suing me for defamation demolished my home without my authorization, without any documentation that superceded the engineering report that was prepared before he destroyed undamaged property.
After nearly stepping all the way through the linoleum, I wanted to know what was underneath. The floor has been feeling mushy, even underneath the shower. Creeping mush cannot be good.
If not for the fact that fiberglass should not be handled without proper equipment, I would have continued digging because I want to know if there is a foundation beneath. I do not understand how this structure passed final inspection except that the inspectors are in on the scam. Else why have I received no response to my report of environmental and safety hazards?
It was the contractor from Protech that pulled the permits for this job, therefore, according to the deputy director of Building and Safety, that contractor should respond to them with plans and new permit requests because the permits pulled previously are invalid. There are outstanding correction notices, a rescinded Certificate of Occupancy, and this hole in the bathroom floor because it was not properly constructed or finished. Protech was given more than $260K for this destruction two years ago. Where is the warranty that Protech said was in effect? Where are the building plans? Why do I not have them as they were paid for?
Just stepped out of the shower and nearly went through the floor. I reported the questionable support structure under the bathroom floor to Los Angeles County Public Works, Building and Safety department several weeks ago. Because they are involved with the scam, they are ignoring my requests for service and leaving me in an unsafe condition because they do not want to require the contractor, who allegedly pulled the permits, to make the necessary corrections to this unfinished job.
I am now certain this scam involves Building and Safety inspectors and administrators. Had I not persisted in demanding reinspection of this mess that somehow passed final inspection, only to have the Certificate of Occupancy rescinded and a list of the same corrections that needed to be made when the first corrections notice was issued in 2017. Another was issued in 2018, but it was set aside for 18 months with a hope that I would just go away or would be intimidated into silence by the contractor.
The contractor is suing me for defamation, claiming I have cost him one million dollars in damages. I have filed an anti-SLAAP in response. I guess he has been designated to handle me while Building and Safety, Department of Insurance, Safeco/Liberty Mutual close off communication and ignore me.
I experienced similar treatment in the military. I reported sexual harassment to an officer. Next thing I know, he is transferred. I was prevented from getting to the Inspector General, so I stayed a one-woman protest, refusing to do anything except go to class until I was allowed to report what women were suffering at the hands of the Sargent Major in charge of the trainees. We were short-timers. It was easier to stop the behavior while we remained rather than let me report a lifer. Might mess up his retirement.
I now know with certainty that this structure was built without plans, with second-rate materials, and improperly with the blessings of LA County Building and Safety. The project manager who actually worked on this unsafe structure is dead. I think the dead have no rights, so it is safe to name him: Steve Willsey. I never would have known he died had not the contractor who is suing me called to tell me. He also told me I would never get the money he was given by the insurance adjuster. I think I was told about Willsey and was supposed to be afraid. I was threatened. I felt the contractor was attempting to intimidate me, just as he is doing by filing this frivolous lawsuit that violates my right to free speech.
I may not be able to sue this gaslighting crew, but I can let as many as can and will read this know that they need to be wary about insurance claims adjusters, building contractors, insurance companies, and public agencies that are supposed to stand for the consumer but don’t.
White-collar crime is not prosecuted with any adequacy in this country. Racketeers, money launderers, high-class thieves are allowed to defraud the country; the state, local government, individuals, corporations, everyone is fair game. If caught, at most there is a fine, generally a slap on the wrist. Don’t get caught next time is what that fine says.
I am being sued for defamation by a white-collar criminal who has destroyed my property in collaboration with state and local government agencies and an insurance company. Prior to this shakedown, I was being ripped off by a bank in Texas!
To whom does one report white-collar crime? How many people have to know of the occurrence before taking action to end it?
Corporate totalitarianism is making me very ill.
When all regular avenues of complaint have been used and found inadequate there remains another avenue: Claim for Damages.
Before a state or local governing body can be sued in small claims court, a Claim for Damages must be filed. If the body denies the claim, one can then proceed to small claims court to sue. If the claim is accepted, one must wait for the investigation to be completed. If the outcome of the investigation is unsatisfactory, then suit can be filed.